SAJO S.A.C.
ActiveSummary
SAJO S.A.C. has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.72M and a net result of €56k. Equity remains stable across the filed fiscal years (±2.2% per year). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71=
Solvency90▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.02 in 2023; short-term debt: 34.5% and cash: 0% of total assets), and 34.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
65.5%
Return on assets
2.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
131 d early
2022
95 d early
2021
48 d early
2020
17 d early
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€1.72M▲ 3.4%
2023 · €1.67M
2018: €1.51M
2019: €1.53M
2020: €1.55M
2021: €1.58M
2022: €1.62M
2023: €1.67M
2018 → 2024
Total assets
€2.63M▼ 4.8%
2023 · €2.76M
2018: €3.41M
2019: €3.28M
2020: €3.15M
2021: €3.02M
2022: €2.89M
2023: €2.76M
2018 → 2024
Net result
€56k▲ 16.8%
2023 · €48k
2018: €18k
2019: €21k
2020: €24k
2021: €30k
2022: €35k
2023: €48k
2018 → 2024
Working capital
€-904k▲ 15.9%
2023 · €-1.07M
2018: €-1.82M
2019: €-1.65M
2020: €-1.59M
2021: €-1.43M
2022: €-1.26M
2023: €-1.07M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.55M-€1.58M▲ 1.9%€1.62M▲ 2.2%€1.67M▲ 3.0%€1.72M▲ 3.4%
Operating result€24k-€31k▲ 26.0%€35k▲ 14.7%€49k▲ 38.9%€56k▲ 16.1%
Net result€24k-€30k▲ 25.8%€35k▲ 14.7%€48k▲ 39.3%€56k▲ 16.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 16% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.63M
Fixed assets
€2.63M ▼ 4.2%
Current assets
€4k ▼ 82.9%
Equity and liabilities €2.63M
Equity
€1.72M ▲ 3.4%
Debt
€908k ▼ 17.2%
Debt's share of the balance-sheet total falls from 39.7% to 34.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€191k▲
2023 · €183k
Cash flow
€191k▲
2023 · €182k
Current ratio
0.00▼
2023 · 0.02
Debt to equity
0.53▼
2023 · 0.66
ROE
3.3%▲
2023 · 2.9%
ROA
2.1%▲
2023 · 1.7%
Interest coverage
6686.88▲
2023 · 563.75
Debt ≤ 1 year
€908k▼
2023 · €1.10M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 29 lines
Balance sheet
Code20232024
Assets
Total assets20/58€2.76M€2.63M▼
Fixed assets21/28€2.74M€2.63M▼
Tangible fixed assets22/27€2.74M€2.63M▼
Land and buildings22€2.74M€2.63M▼
Current assets29/58€22k€4k▼
Cash at bank and in hand54/58€19k€56▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€2.76M€2.63M▼
Equity10/15€1.67M€1.72M▲
Contributions10/11€2.00M€2.00M=
Capital10€2.00M€2.00M=
Issued capital100€2.00M€2.00M=
Profit (loss) carried forward14€-334k€-277k▲
Amounts payable17/49€1.10M€908k▼
Amounts payable within one year42/48€1.10M€908k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Other amounts payable47/48€1.09M€905k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€134k€134k▲
Other operating charges640/8€18k€19k▲
Gross operating margin9900€201k€209k▲
Operating profit (loss)9901€49k€56k▲
Financial charges65/66B€324€29▼
Recurring financial charges65€324€29▼
Profit (loss) for the period before taxes9903€48k€56k▲
Profit (loss) for the period9904€48k€56k▲
Profit (loss) for the period to be appropriated9905€48k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-334k€-277k▲
Profit (loss) brought forward from the previous period14P€-382k€-334k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €56k ▲16.8%
Operating result €56k, net result €56k, both a record.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
22-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 1990
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Léo Erreralaan 701180 UkkelGround area
2,270 m²
Building footprint
308 m²
Volume, LiDAR
3,205 m³
Parcel 21618B0298/00T004, Brussels · tallest building 16.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SAJO S.A.C.
since 19902.297.000.877
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21618B0298/00T004 | Brussels | 2,270 m² | 1 · 308 m² | 16.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-07-1990
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.